Fully smartDNA® verifiable 2-factor authentication smart card presents very different value proposition.  While compelling differentiation is smartphone authentication  without requiring additional hardware these cards get auto-programmed uniquely due to auto-acquisition feature of smartDNA®. This credential gets registered with secret PIN which is required during subsequent verification.  The smart-card utilizing smartDNA® technology offers unparalleled security with nonreplicable credential even by connivance between card manufacturers, system integrator or distributors. The cards are offered in three different kinds with different levels of security. Each card can have unique combinations scaling from millions to trillions surpassing any known active/passive technology by just using passive technique.